Maryland vs Rhode Island Paycheck Comparison 2026

Annual salary

$

Annual salary

$
Additional options (filing status, deductions)
Filing status
$
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You take home $698/yr more in Rhode Island

$58/mo · $27/paycheck more

Maryland
Rhode Island

$58,083/yr in Maryland vs $58,780/yr in Rhode Island.

Maryland

Take-home per paycheck

$2,233.94

$58,083/yr · 26x/yr

Federal tax$7,67010%
State tax$3,5105%
Social Security$4,6506%
Medicare$1,0881%
Take-home$58,08377%
Tax rates
Effective: 22.6%Marginal fed: 22.0%Marginal state: 4.8%

Rhode Island

Take-home per paycheck

$2,260.77

$58,780/yr · 26x/yr

Federal tax$7,67010%
State tax$2,8134%
Social Security$4,6506%
Medicare$1,0881%
Take-home$58,78078%
Tax rates
Effective: 21.6%Marginal fed: 22.0%Marginal state: 3.8%

Cost of living comparison

Cost of living in Maryland is 6% higher than in Rhode Island.

At a $75,000 salary, take-home pay of $58,083 in Maryland has the purchasing power of $61,598 in Rhode Island terms.

After adjusting for cost of living, Maryland comes out ahead by $2,818/yr.

Housing
Median home$420,000vs$440,000
Maryland
Rhode Island
5% more
Avg 2BR rent$1,978/movs$1,611/mo
Maryland
23% more
Rhode Island
Groceries
Index
Maryland
4% more
Rhode Island
Transportation
Regular gas$3.50/galvs$3.40/gal
Maryland
3% more
Rhode Island
Utilities
Electric bill$133/movs$214/mo
Maryland
Rhode Island
61% more
Healthcare
Index
Maryland
6% more
Rhode Island
Childcare & Misc
Infant childcare$18,946/yrvs$16,758/yr
Maryland
13% more
Rhode Island

Estimate based on 2026 tax rates and standard deductions. Does not include local taxes, itemized deductions, tax credits, or other individual circumstances.

Tax system comparison

Maryland: Maryland uses a progressive income tax with 8 brackets ranging from 2.00% to 5.75%.

Rhode Island: Rhode Island uses a progressive income tax with 3 brackets ranging from 3.75% to 5.99%.

Take-home pay at different salaries (single filer, 2026)

Salary Maryland take-home Rhode Island take-home Difference
$50,000 $40,033 $40,480 -$447
$75,000 $58,083 $58,780 -$697
$100,000 $74,483 $75,205 -$722
$150,000 $106,531 $107,441 -$909
$200,000 $138,917 $139,905 -$988
$300,000 $199,542 $200,164 -$623

Positive values mean higher take-home in Maryland. Assumes single filer, no deductions.

FAQ

Which state has lower taxes, Maryland or Rhode Island?

At a $100,000 salary, Rhode Island results in $722 more annual take-home pay. Maryland uses a progressive income tax with 8 brackets ranging from 2.00% to 5.75%. Rhode Island uses a progressive income tax with 3 brackets ranging from 3.75% to 5.99%.

How much more do you take home in Rhode Island vs the other state?

The difference depends on salary. At $50,000, the gap is $448/yr. At $150,000, it grows to $910/yr. At $300,000, the difference is $623/yr.

Do Maryland and Rhode Island have the same federal taxes?

Yes. Federal income tax, Social Security, and Medicare are the same in every state. Only state income tax differs. This calculator shows the combined effect of federal and state taxes on your take-home pay.

Is it cheaper to live in Maryland or Rhode Island?

Rhode Island is cheaper to live in. Cost of living in Maryland is 11% higher than in Rhode Island. Maryland's Regional Price Parity is 111.5 and Rhode Island's is 100.9 (US average = 100).

Is Rhode Island cheaper than Maryland?

Yes. Rhode Island has a lower cost of living than Maryland (index 100.9 vs 111.5). Housing is typically the biggest difference between the two states.

Is Maryland more expensive than Rhode Island?

Yes. Maryland has a higher cost of living (index 111.5) compared to Rhode Island (index 100.9). The national average is 100. Housing costs are typically the largest driver of the difference.

After cost of living, which state is actually cheaper?

At a $100,000 salary, take-home pay of $74,483 in Maryland has the purchasing power of $82,307 in Rhode Island terms. Conversely, $75,205 in Rhode Island equals $68,055 in Maryland terms. After adjusting for both taxes and cost of living, Maryland comes out ahead.

Maryland vs Rhode Island cost of living — what's the difference?

The overall cost of living is 11% different between Maryland and Rhode Island. Living costs are 12% above the national average Living costs are about 1% above the national average After taxes and cost of living, Maryland gives you more purchasing power on a $100,000 salary.

Do I need to file state tax returns in both Maryland and Rhode Island?

Maryland requires residents to file a state income tax return annually, typically due April 15. Rhode Island requires residents to file a state income tax return annually, typically due April 15. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there. Each state has its own tax return form — check your state's department of revenue website for the correct form and e-filing options.

Related tools

Maryland Paycheck Estimator · Rhode Island Paycheck Estimator · All states